The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$38,047
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,231
−HK$1,202/mo
Today · 4.125%
HK$40,433
baseline
▲ 0.50% · 4.625%
HK$42,893
+HK$2,460/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$80,866/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,327
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,462
−HK$1,152/mo
Today · 4.125%
HK$44,614
baseline
▲ 0.50% · 4.625%
HK$46,966
+HK$2,352/mo
Deposit HK$8.34M · loan HK$8.34M · min. income ≈ HK$89,228/mo (50% DSR)
Upfront cash ≈ HK$8.97M (deposit + AVD stamp duty HK$625,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,657
−HK$2,863/mo
▼ 0.25% · 3.875%
HK$47,077
−HK$1,443/mo
Today · 4.125%
HK$48,520
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,952/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$97,040/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,793
−HK$2,744/mo
▼ 0.25% · 3.875%
HK$52,155
−HK$1,382/mo
Today · 4.125%
HK$53,537
baseline
▲ 0.50% · 4.625%
HK$56,359
+HK$2,822/mo
Deposit HK$6.67M · loan HK$10.01M · min. income ≈ HK$107,074/mo (50% DSR)
Upfront cash ≈ HK$7.30M (deposit + AVD stamp duty HK$625,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,266
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$54,923
−HK$1,683/mo
Today · 4.125%
HK$56,606
baseline
▲ 0.50% · 4.625%
HK$60,051
+HK$3,445/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$113,212/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,258
−HK$3,202/mo
▼ 0.25% · 3.875%
HK$60,847
−HK$1,613/mo
Today · 4.125%
HK$62,460
baseline
▲ 0.50% · 4.625%
HK$65,752
+HK$3,292/mo
Deposit HK$5.01M · loan HK$11.68M · min. income ≈ HK$124,920/mo (50% DSR)
Upfront cash ≈ HK$5.63M (deposit + AVD stamp duty HK$625,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,485
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,615
−HK$2,165/mo
Today · 4.125%
HK$72,780
baseline
▲ 0.50% · 4.625%
HK$77,208
+HK$4,428/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$145,560/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,189
−HK$4,116/mo
▼ 0.25% · 3.875%
HK$78,232
−HK$2,073/mo
Today · 4.125%
HK$80,305
baseline
▲ 0.50% · 4.625%
HK$84,538
+HK$4,233/mo
Deposit HK$1.67M · loan HK$15.02M · min. income ≈ HK$160,610/mo (50% DSR)
Upfront cash ≈ HK$2.29M (deposit + AVD stamp duty HK$625,708 · Scale 2, in force from 26 Feb 2026)